Octa Markets Incorporated is a forex broker recognized worldwide. OctaFX provides forex brokerage services to its clients in over 100 countries around the world. OctaFX uses the most up-to-date technology and knowledge to make your forex trading experience incredibly convenient. Our top goal is the trust and satisfaction of each client's needs and requirements. OctaFX sets the highest service level standards and maintains them, as well as constantly developing new services and promotions.
Octa Markets Incorporated was registered in 2011 in Saint Vincent and the Grenadines under license number 19776 IBC 2011. The Company's legal and correspondence address is Cedar Hill Crest, P.O. Box 1825, Villa, St. Vincent and the Grenadines. OctaFX activity is supervised and regulated by the authorities of Saint Vincent and the Grenadines under the International Business Companies (Amendment and Consolidation) Act, chapter 149 of the revised laws of Saint Vincent and the Grenadines, 2009, section 5(1). OctaFX acts in full compliance with international legislation and regulation standards. We strongly believe that honesty is the best policy. You can review Customer Documents as well as AML policy and other important legal documents in the Legal Agreements section at www.octafx.com.
OctaFX has developed a variety of options to make your forex trading even more convenient. We offer live ECN accounts as well as micro accounts. The lowest spreads, real-time market execution and true ECN offset are among the top advantages of OctaFX.
OctaFX is indeed a client-oriented company. This said, we are working hard to further improve our services. Stability, perfection and close attention to detail is what makes OctaFX different from our competitors. Our highly educated and well-trained Customer Care Department works 24/5 to answer your inquiries and help you. We are always open to suggestions and feedback.

Debt Management Tips


By Jennifer Bailey

Debt management tips are easily obtainable from both online and print media sources. Nonetheless, these tips are not such that one-size-fits-all. You have to read and use this tips with a pinch of salt.

You have to see which stage of life you are in, what is your income level and what are your financial goals. You may want to consider paying off your student loan before think about retirement. Or plan a wedding before children’s education fund. Once you've identified your goals, start saving towards them.

Take benefit of any tax-deferred programs presented by your company, and bear in mind that if you begin saving in your early days, compounded interest can provide you with a very nice sum even if you stop saving later on. Also revisit you goals as you advance in your career and pay checks.

And if you are already in debt, then the first and most important tip for you to recognizing that you have a problem. Ignoring the problem will not solve it. Secondly, go over your expenditure. Understand your frivolous spending and work towards reducing this expense. Concentrate on necessary purchases only. Don’t live by credit cards only. Think about how you are going to pay when the credit card bill comes in the mail.

You may want to get some professional help too. Hire a debt counselor, he or she would guide you through the process of financial recovery and if necessary file for bankruptcy. However, that should be your last resort, as bankruptcy stays on your credit history for 10 years.

Work towards lowering you payments and interest rate. You can either contact your creditors or ask your consultant to discuss it for you. They will gladly set up a payment plan; in some cases with reduced payments, and if you stick to it, your credit rating may be saved.

Another option may be to get a loan from your bank or a management agency and then use that money to pay off your debt obligations. This way you get rid of multiple debts and various interest rates. It is always better to pay one consolidate amount.

Debt Management Companies provides detailed information about debt management companies, credit card debt management and more. Debt Management Companies is affiliated with Debt Free Living.

Reduce Your Debt With Balance Transfer Credit Cards

Author: Melissa Kellett

If you have a growing credit card debt it would be wise to find a balance transfer credit card with the lowest interest rate available. There are several options for this kind of cards so the main issue is discovering which one is the best alternative for you.

Watch The APR

If you do not plan to pay the whole balance of the credit card, which is most likely, you will want to get the best deal possible on the APR. Search thoroughly, there are thousands of alternatives on the market, there are even cards offering a 0% introductory rate which you can benefit from.

But be especially careful as this kind of cards can sometimes increase significantly the interest rate charged after the introductory period has expired. You should have by then another credit card to transfer the balance to, or you should have already paid the whole balance by then. If you decide to transfer the balance from one card to another, make sure the new card has no interest, fees or costs for balance transfers. Otherwise you will end up paying even more than you expected to save.

Promotional Period

The best options are the cards that will remain charging the introductory rate till you payoff the whole balance completely. These are hard to find and not easy to qualify for, however, new offers are available everyday so do your research and try to get them. Lately, Credit Card companies are competing ferociously to get new clients and you will find many online sites with comparatives on what the different companies have to offer. Use these services and find the best deal available. There’s nothing to loose.

Transferring Fee

As stated before, when considering which card to get, make sure that it does not charge you for transferring balances. After all, this is precisely why you are looking for a card and it makes no sense paying an extra fee when you are trying to save money by paying less interest. Most offers state “0% Balance Transfer” which means that there is no interest charge over the transferred balance. However, in order to compensate for this, lenders charge a fee for the same purpose and though it is a single fixed fee it still adds up to your debt. So when you shop for a card make sure it is a 0% Balance Transfer Credit Card with no Balance Transfer fees or costs.

Other Costs

Moreover, be extra careful with all additional costs that the credit card companies try to conceal in the small print. Such things as renovation costs, issue costs, financial costs, bill issue costs, etc. are deceitful but not uncommon practices in the credit card industry.

Examine The Small Print

The APR is not the only thing that matters, sometimes, with lower rates come higher fees and costs to compensate. Do not be fooled, read carefully all the documents concerning the contract, demand that all the costs and fees be revealed to you. Then with all this information, compare your options and make a conscious decision.

The path to a debt-free financial situation requires a first step. Getting a balance transfer credit card can be this step, but you need to follow this advice carefully and avoid being deceived by those who just want to persuade somebody to get another credit card.

Article Source: http://www.articlesbase.com/debt-consolidation-articles/reduce-your-debt-with-balance-transfer-credit-cards-429059.html